FSWB Bird Icon Personal


Online Banking

We fully understand that you need quick and easy access to your money, your accounts and transaction options while on the go. We promise to continually strive to provide our customers with best-in-class online and mobile products and services.

Click here to log in.

What is GoGreen On-Bill Financing?

A streamlined and affordable approach for home and business solar and energy efficiency upgrades, now including solar and battery charger opportunities.

GoGreen On-Bill Financing is a program that provides loans to La Plata Electric Association (LPEA) customers for installing solar and energy efficient enhancements at their home or business with no upfront costs and at low interest rates. Loan payments are then repaid through your monthly electric bill. On-Bill Financing was created to promote equity, affordability, and accessibility to solar and energy efficiency by providing immediate financial and quality-of-life benefits to families and businesses.


GoGreen On-Bill Financing helps you afford solar and energy efficient technology with no added costs, since energy savings from improvements and additions are often greater than the cost to finance them — including lower monthly electricity usage and long-term savings.

How does it work?

  1. Identify Energy Needs: GoGreen On-Bill Financing relies on you, an LPEA customer, to identify the energy measures that need to be financed. No energy audit is required, though LPEA does offer free walk-through assessments.
  2. Apply Online: Apply for the On-Bill Financing program at fswb.bank/gogreen
  3. Application Review: LPEA grades the application based on the customer's utility bill payment history for the last two years. The loan application is then passed onto First Southwest Bank for final approval.
  4. Project Review: When the application is approved, LPEA projects the potential energy savings by reviewing the planned efficiency measures to be installed, past energy usage, and the size of the home or business.
  5. Project Installation: You then use the loan to pay for labor and materials.
  6. Monthly Repayment Begins: Your first monthly, loan repayment will appear on your next scheduled utility bill.

What energy projects are eligible for financing?

New! Solar installations and expenditures!
GoGreen On-Bill Financing covers labor and materials for projects such as:

  • Caulking/weather-stripping and insulation

  • LED lighting

  • Storm or thermal windows and doors

  • Insulating window coverings

  • Water heaters, heat pump systems or other heating or cooling systems that reduce energy consumption

  • Energy Star rated appliances

  • Solar installs, panels, chargers and expenditures (new!)

  • Solar for vehicle battery chargers (new!)

  • Battery energy storage systems (new!)

  • Installation labor


How much can I apply for?

LPEA customers can apply for loans up to $7,500 for non-solar residential installs and $20,000 for solar residential installs. For larger business loans, please inquire.  (restrictions may apply).

Rates as low as 3.95% APR. Please reach out or apply online for specific loan terms.
Can I hire a handyman or contractor to do the work under this program? And am I able to pick the contractor / solar provider for this work?
Yes. The financing includes purchase of the materials (such as caulking/weather stripping or LED flood lights), and will cover the cost of the labor to do the installation for you.


How do I apply for On-Bill Financing?

Apply at FSWB’s loan application portal:  https://www.fswb.bank/special-pages/online-loan-portal/



Reach out to FSWB CEO Kent Curtis, kent.curtis@fswb.com.

Fixed Rate, Adjustable Rate, Jumbo Loans & More.

Let's start by getting together to see what you need. We can run the numbers for you, get you pre-approved so you can shop with confidence, and then close the deal in time for the moving boxes! 

Buying a home is one of the biggest decisions you’ll make. When you decide to work with us, we will earn that continued trust every step of the way. And once you're here, you may want to look into our checking and savings programs too.
For more information, please contact:

Cindy Leewitt
Try First Southwest Bank's (NMLS# 504376) "no-hassle" application.
Apply Now

Mobile Banking

Download our FSWB-APP for Apple or Android devices and get all the convenient features of online banking on your mobile phone or tablet device.

AppStore-iOS-Web-(2).jpg     AppStore-Android-Web.jpg

What We Offer

  • Personal Fixed-Rate Loans
  • Overdraft Protection for Checking Accounts
  • Automobile Loans – New and Pre-Owned
  • RV, Boat, Motorcycle, and Land Loans
  • Home Equity Loans and Lines*

A Home Equity Loan or Line of Credit can be used for almost any major expense, including:

  • Home improvement
  • Education expenses
  • Debt consolidation
  • Vacations
  • Vehicle purchases
  • Weddings, and more
The interest on your home equity loan or line of credit may even be tax deductible. Speak with your tax advisor for more information.

*To apply for a Home Equity Loan or Line of Credit, please stop by or call the branch location most convenient for you.

Credit Cards - Earn Rewards
Our Consumer Credit Card Program is offered through UMB and features:

  • Competitive variable APR (annual percentage rate) for purchases, balance transfers, and cash advances
  • Introductory offer of 0% APR for the first 12 billing cycles for balances transferred within 60 days from account opening
  • Balance transfer fee is three percent (3%) of the amount of the balance transferred, with a $15 minimum and no maximum
  • Rewards program
  • Earn one (1) point per dollar spent on qualifying purchases
  • Redeem points for merchandise, travel, sporting events, concerts, gift cards, or account credit, and even donate your points to charity
  • No annual fee
  • Visa’s Zero Liability fraud protection


To help the US Government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.‚Äč

Simply Rewards Visa

Earn more rewards for all your everyday purchases.1

  • 3x the points
  • 1x the points

Apply Online Today for a Simply Rewards™ Visa® Credit Card

Apply Now

Branch: Ask an associate for details.

We Make It Easy to Redeem

Access your account to see how many points you’ve earned through online banking or your monthly statement at cardcenterdirect.com.

Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.1

Additional Visa Benefits

Fraud Protection

Visa’s Zero Liability Policy means you won’t be held responsible for any unauthorized charges made with your card or account information.2


Includes auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.3

Online Credit Card Control

View transactions, pay bills and track expenses. Includes eStatements with 18 months of history.
Learn more about the competitive rates and fees.

Cardholder Self-Service Contacts

Online Account Access – cardcenterdirect.com
Rewards Points Redemption – cardcenterdirect.com
Customer Service – 1.800.821.5184
Cards issued by UMB Bank, n.a.

1 Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.

2 Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

3 See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.

Trusted Investment Partner

While Scott Strategic Investments operates independently from First Southwest Bank, we have developed a trusted relationship with both Bob Scott and Anthony Doctor and recommend you explore a possible relationship with their firm if you are interested in investments and wealth management. Bob and Anthony are happy to make appointments with you to discuss your financial wellness and goals, and can meet you at any of our branch locations.

To learn more about what Bob Scott and Anthony Doctor can offer you,
please visit their website.

Important Information:
Securities offered through Raymond James Financial Services, Inc. member
FINRA/SIPC, and are:
not deposits, not insured by the FDIC or any other government agency, not guaranteed by the bank and are subject to risk and may lose value.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. Raymond James is not affiliated with Scott Strategic Investments or First Southwest Bank.

Check the background of this firm on FINRA's BrokerCheck.

Trusted Mortgage Provider

While Academy Mortgage operates independently from First Southwest Bank, we have developed a trusted relationship with Brad Cook and Academy Mortgage and invite you explore a possible relationship with their independently owned mortgage company if you are interested in a home mortgage or related loan products.

Academy Mortgage has been meeting the needs of homebuyers across the United States since 1988. Academy is a direct lender, which means that they are equipped to complete
the entire loan process in-house and all loan processing, underwriting, closings, and funding are handled locally. As a result, they have a proven track record of closing loans as quickly and efficiently as possible. Academy Mortgage is not affiliated with First Southwest Bank. Visit Academy Mortgage for more information.

Brad Cook NMLS #1282306
(970) 749-5488
Academy Mortgage Corporation NMLS #3113